An employee is injured while lifting equipment at work.
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Commercial Insurance Solution
Workers’ Compensation
Coverage for work-related injuries and illnesses, paired with employer-liability protection and claims-management support.
Request a ProposalWho it helps
Coverage aligned with the exposure
- Employers with full-time, part-time, temporary or seasonal workers
- Businesses with employees working remotely, traveling or across state lines
- Organizations seeking to control claims and experience-modification costs
Claim scenarios
How a claim might arise
A repetitive-motion condition develops from job duties.
An employee is hurt in a vehicle incident while performing assigned work.
These examples are illustrative only. Whether a claim is covered depends on the actual facts and the policy’s terms, conditions, exclusions, limits and endorsements.
Review carefully
Exclusions and options to discuss
- Employee classification, ownership exclusions and state requirements
- Other-states coverage and monopolistic-state exposure
- Experience modification, loss-control and return-to-work programs
- Temporary staffing, subcontractors and independent contractors
Prepare for a quote
Information your broker may need
- Payroll by state and class code
- Employee counts and job descriptions
- Loss runs and experience-modification worksheet
- Safety, training and return-to-work practices
Frequently Asked Questions
Common questions
Is workers’ compensation insurance required?
Requirements depend on your operations, contracts, state law and other circumstances. A Peloton broker can help identify contractual and practical requirements that apply to your organization.
How is pricing determined?
Insurers generally consider the organization’s size, operations, loss history, limits, deductibles, controls and other coverage-specific exposures.
Can this coverage be coordinated with our other policies?
Yes. Reviewing related policies together can help identify gaps, overlaps and inconsistent terms before a claim occurs.
Talk with Peloton
Build a proposal around your organization—not a generic checklist.
This page provides general information only and is not legal advice or a representation of coverage. Policy terms and availability vary by insurer and risk.